VFIntel
Replace paper with proof.One financial record of the money, the insurance and the identity behind every lease, written when the rent actually moves.

Financial partners

Reach the renter at the exact moment they need your product.

VFIntel keeps one financial record of the money, the insurance and the identity behind every lease. Insurers, credit companies, credit bureaus and payment networks connect to it once, and each sees its own piece, with the renter's permission, at the moment the lease creates the need.

A round glass table with five objects connected to a cube at the centre

How we work with you

We are not a bank, an insurer, a lender or a bureau. We are the financial company in the middle that connects them.

Everything a renter needs is already sold by someone licensed and capitalised to sell it. What is missing is the connection between you. The insurer never learns the lease started. The lender never sees the rent that was paid. The bureau never hears about the biggest bill in the household. The renter falls into every one of those gaps, and so does the business you could have written.

VFIntel builds that connection, the way Plaid sits between apps and banks, and brings each partner in to do the part that is theirs. You keep your licence, your product and your customer relationship. We bring the verified renter, the moment and the record, and work alongside regulated partners for everything that has to be regulated.

A six-colour glass cube at the centre, joined by threads of light to a bank vault, a payment card, an insurance umbrella, a set of scales, a ledger, a filing cabinet, an office building and a desk

The customer, already verified

Identity and income checked against the bank and the employer, and checked again each month through the rent. You underwrite a person, not a document.

The moment, not the mailing list

A lease is signed, a home is insured, a rent payment lands. You arrive when the need is created rather than months afterwards.

One connection, your own piece

Connect once and see the part of the record that belongs to your business, with the renter's permission, and nothing else.

Who we work with

What each partner gets from the same record.

Insurer and broker

  • Something you cannot buy today: the customer, verified and consenting, at the moment the lease requires insurance, not months after the move.
  • The half of the market you lose today, finally visible: who was offered a policy and said no, what they bought instead, and which lease rule keeps failing.
  • At claim time, you get what was true on the day of the loss (the lease, the insurance, the deposit, the payments) in one answer instead of a week of phone calls.
  • Priced on the actual home and rent, collected along with the rent, and checked so the policy stays in force.
  • Reach renters who have no tenant insurance today, right where they already pay their rent.
  • New products that exist because the renter is verified continually: identity, deposit, rent default and damage warranties, sold through VFIntel and backed by you.

Credit company

  • Price the person from rent that just arrived, not from an average.
  • Twelve months of verified rent is the one thing a fake identity cannot produce.
  • Offers made the moment the record shows the renter can afford them.

Credit bureau

  • A new entry on the credit report for the biggest bill people pay, added with the renter's permission.
  • Most rent is reported nowhere today. This changes that, one lease at a time.
  • Every entry traceable to a payment that moved through the regulated banking system.

Payments network

  • Rent, the largest monthly payment most people make, moves on your network instead of cheques and wires.
  • One payment split three ways, to landlord, insurer and utility, with records that balance automatically.
  • Every payment carries proof of who paid, which is the part today's rent payments lack.

Why now

A document no longer proves anything.

For a hundred years nobody trusted the person. They trusted the documents, because documents were hard to fake. In the last eighteen months a perfect pay stub, a perfect reference and a perfect fake identity came to cost nothing.

500%rise in fraudulent documents made with AI, April to December 2025 (Snappt)
93%of apartment operators hit by application fraud in one year (NMHC, 2024)
87%of rent goes unreported to any credit bureau (TransUnion, 2025)
A wall of paper documents dissolving into particles

No single company can fix this alone.

Each one is licensed to see just one piece of the picture. Put the six pieces together and you get one record none of them could see alone.

Rental rules Identity Credit Insurance Banking PaymentsOne company

The one thing AI cannot counterfeit

Money that actually moved.

We record it as the payment moves through the banking system, with the renter's permission to share it. Twelve months of rent leaving a real account is proof a fake identity cannot produce. It costs real money over real time.

A glass card with twelve amber coins and a light trail across a map

Why a company, not an AI

Regulated standing across six domains, held by one company.

AI cannot sign an agreement with a bank, carry regulated standing, or move a dollar. VFIntel is a financial company built across payments, banking, insurance, credit, identity and rental rules, working alongside regulated partners in each. You sign once and reach everyone in the lease. Every action is checked first, and when the answer is no, the reason and the proof come with it. We check ourselves the same way, and would rather show you an honest gap than a clean-looking report.

A signed agreement on a desk, two ink signatures, a dated stamp and a small six-colour seal, with a frosted glass bank and vault door behind it

Where we are

VFIntel is built and running on test data. We open to property managers and their renters in Q4 2026.

We are taking names now. When we open in your area, a person calls you. No countdown, no pretending.

Talk to us

A glass calendar with the last pages lifting, beside the finished six-colour cube